travel solutions log in

Sign in to Travel Solutions

Enter your details below, update your password, password has expired. set a new one., welcome to havas voyages. please create a new password below. your new password needs to have a minimum od 8 characters. the password should contain at least one uppercase letter, number and special character., forgot your password, select your company, please enter your e-mail address or login below and we will send a mail with instructions., check your inbox, if your details are correct, you'll receive an e-mail with a link. please check your junk or spam folder. the link is valid for 24 hours you can use it to reset your password., unable to reset password, we could not complete your request. please contact your admin for further information..

Log in to E2 Solutions

This is a U.S. Federal Government information system that is "FOR OFFICIAL USE ONLY." Unauthorized access is a violation of U.S. Law and may result in criminal or administrative penalties.

This system contains information protected under the provisions of the Privacy Act of 1974 (Public Law 93-579).

• Any device, Anytime, Anywhere
• Available on your desktop
• On your iPad and Tablet
• On your smart phone

Thank you for using Travel eSolutions!

Please contact us if you do not receive the email in the next 10 minutes.

Forgot username

Need help signing in

Redirecting Now...

Forgot Password

In order to recieve your password by email, please enter the email address you provided during the registration process.

Client Portal Sign In

Recover password.

Enter your Email and instructions will be sent to you!

Register and enjoy the benefits and special prices

Where would you like to share this product's description?

displaymessage();

Your Safety,

Our Concern

Travel Solutions

We are a young and enthusiastic company with an expertise in the travel insurance., expert consultancy in the travel business, first class reinsurance capacities, flexible integration, online platform, 24/7 superior service.

Globe Travel Solution (GTS)

Our vision is to become the go-to provider of travel insurance for all kinds of travelers . We believe that travel is a fundamental part of the human experience, and that everyone should have access to affordable and comprehensive travel insurance that protects them during their trips.

With more than 25 years of experience in the Travel Insurance industry, GTS ensures that all safety travel requirements are answered.

Our shareholders established in Lebanon, the MENA region, GCC and Africa protected by a triple A rated Re-insurer gives our partners and travellers security and peace.

Book your trip at ease knowing your safety is in our hands

Your safety is our concern.

Onward Travel Solutions Ltd

Airport Transfer Experts In The UK

Working with thousands of drivers & serving over a million customers , onward travel solutions have provided top quality transfer booking services for over 18 years.

Our aim is to become the most prominent airport transfer company in the UK. We've achieved steady growth since our inception in 2006 and continue to make major strides (technologically and operationally) towards this goal.

Our plan to realise this objective includes:

• Implementing modern technology to reduce "dead miles" to save both costs and the environment
• Leveraging automation to minimise day-to-day management tasks
• Delivering affordable and reliable nationwide travel for our customers, with consistently exceptional customer service
• Intelligently applying modern and fluid advertising campaigns

Our Operations Team

Day-to-day customer sales and support activities are handled by our UK operations team; a flexible combination of on-site and remote-working staff. Tasks are varied, but the team's primary goal is satisfying our customers' travel requirements and solving any complications that may arise, using the tools made available by our development team.

See our Careers Listings for available operations roles, or contact us below.

Our Development Team

Our experienced in-house development team have dedicated (but adjacent) offices, buffered from customer and driver interaction by the operations team. This allows our developers to focus on long-term product development and maintenance of established products; while also having convenient access to product stakeholders and users for rapid iterative development.

See our Careers Listings for available development roles, or contact us below.

Our Products

Online booking software.

A range of modern booking applications with a strong focus on ease of use for both domestic and international users.

Geolocation API

A flexible PAF-based Geolocation service supporting our various public and internal applications.

Operator Dashboard

An internal operations dashboard facilitating the management and taking of customer bookings.

Drivers Portal

A highly focused management portal with live updating tendering, driver management and invoicing capabilities.

Routing Engine

An efficient high-throughput routing engine, used for real-time route, fare and fees calculation.

...And Many More

Our projects are varied & extensive, contact us now to discuss how your skills might contribute to our collective growth.

Since launching Onward Travel Solutions in 2006, our mission has always been to provide UK airport transfers and exceptional service at affordable prices. Our ongoing investment in people, technology, innovation and automation has allowed us to seamlessly and efficiently connect travellers and transfer companies; all backed up by fantastic 24/7 customer support.

Get In Touch

If you are interested in working with us, wish to discuss technological integrations, or have any other queries, please get in contact using the form below. If you are a driver and wish to know more please visit the Driver's page .

How Can We Help?

If your message is about a new or existing booking please get in touch via our Booking Site for an immediate response.

"First class service. On time, competitively priced, excellent communication. Have used OTS in the past & will certainly use them again."

"Always use this company and have not had any problems. Our recent trip back from Stansted with Chris was excellent."

"Excellent service. The OTS website was easy to use; even from abroad. An instant quote was provided and there were prompt email updates."

Traveloka MY

23 Jun 2024 - 7 min read

Exploring Malaysia: Your Guide to Public Transportation Options

Understanding public transportation in Malaysia is important, especially if you're planning a trip there. Getting around Malaysia is made simple with its reliable and affordable public transportation system. Whether you're exploring Peninsular Malaysia or heading to the eastern regions, there are various options to choose from. Buses, minivans, and taxis are popular for local travel, while budget flights offer convenient connections between different areas.

In Sabah and Sarawak, boats and occasional flights are necessary for longer trips. During busy times like festivals, it's wise to plan your travel in advance to avoid any hassles. Keep in mind that arranging transport for remote areas may be costly, but it allows you to explore hidden gems in Malaysia's parks and islands. Let's explore more about the available transportation options in Malaysia, including their operating hours, and routes. Travel with ease by booking your transportation through Traveloka for a seamless journey across Malaysia!

1. KL Monorail

The KL Monorail is a vital mode of transportation in Kuala Lumpur, linking KL Sentral to Titiwangsa with its network of 11 stations covering a distance of 8.6 km, facilitated by two parallel train bridges. Managed by Rapid Rail, a subsidiary of Prasarana Malaysia, it operates as part of the RapidKL system, contributing to the Klang Valley Integrated Transit System. Rapid KL, with 177 routes and an average daily ridership of 332,000 passengers, provides connectivity to residential, industrial, and commercial areas in Greater Kuala Lumpur and Selangor.

Operating from 6 am daily, the monorail offers frequent services, with varying intervals based on the time of day. It serves as a vital intra-city transit system, efficiently connecting key destinations within Kuala Lumpur. Moreover, the monorail's route intersects with various other transit systems, including KLIA Transit, KLIA Ekspres, KTM Komuter, Ampang Line LRT, Sri Petaling Line LRT, Kelana Jaya Line LRT, MRT Kajang Line, and MRT Putrajaya Line, enhancing connectivity across the city. This makes it an indispensable link between Kuala Lumpur's main transport hub, KL Sentral, and the bustling "Golden Triangle" area.

The KL Monorail operates along a route that spans from KL Sentral station to Titiwangsa station, connecting Kuala Lumpur's main transport hub, KL Sentral, with the vibrant "Golden Triangle" area. Along this route, the monorail stops at several key stations, facilitating convenient access to various destinations:

1. KL Sentral Monorail Station

2. Tun Sambanthan Monorail Station

3. Maharajalela Monorail Station

4. Hang Tuah Monorail Station

5. Imbi Monorail Station

6. Bukit Bintang Monorail Station

7. Raja Chulan Monorail Station

8. Bukit Nanas Monorail Station

9. Medan Tuanku Monorail Station

10. Chow Kit Monorail Station

11. Titiwangsa Monorail Station

This comprehensive network ensures accessibility to key areas within Kuala Lumpur, making it easier for commuters and travelers to navigate the city.

2. LRT (Light Rapid Transit)

In Kuala Lumpur, the Light Rail Transit (LRT) system serves as a network of electric train lines connecting various parts of the city, offering an affordable, speedy, and eco-friendly mode of transportation to avoid the city's notorious traffic. Managed by RapidKL and MyRapid, these entities ensure a seamless and comfortable travel experience for commuters.

Using the LRT system offers numerous benefits, including affordability, speed, and convenience, with frequent and punctual train services. Stations are well-connected to other public transportation modes like KTM Komuter, MRT, and Monorail, providing extensive coverage across the city. Stations are accessible from 6 am onwards every day, with some opening earlier on special occasions.

The LRT network comprises three main lines: the Kelana Jaya Line, Ampang Line, and Sri Petaling Line. The Kelana Jaya Line, being the busiest, links the city center to popular neighborhoods and attractions, while the Ampang and Sri Petaling Lines extend to the eastern and southern regions of the city.

The Ampang Line spans 18 stops, starting from Sentul Timur and ending at Ampang. Notable stops include Titiwangsa, Bandaraya, and Masjid Jamek. The Sri Petaling Line covers 29 stops, with routes from Sentul Timur to Putra Heights. Stops include Cheras, Bukit Jalil, and Sri Petaling. Lastly, the Kelana Jaya Line covers 37 stops from Putra Heights to Gombak. Key stations include KL Sentral, Masjid Jamek, and KLCC. Each line offers comprehensive coverage, connecting passengers to major hubs, neighborhoods, and attractions across Kuala Lumpur.

3. KTM Komuter

KTM Komuter, operated by Keretapi Tanah Melayu (KTM), is a commuter rail service based in Kuala Lumpur's KTM KL Sentral. It's a convenient and economical choice for navigating the city, offering extensive routes and reasonable fares.

KTM Komuter operates two main lines, namely the Port Klang Line and the Seremban Line, linking KL Sentral to various urban and suburban destinations. Passengers can conveniently purchase tickets based on the distance traveled or opt for the hassle-free Touch 'n Go card payment method. Moreover, KL Sentral station boasts an array of passenger amenities, such as elevators, escalators, and restrooms, ensuring accessibility and comfort for all travelers.

Traveling long distances with KTM KL Sentral opens up opportunities beyond Kuala Lumpur, linking you to destinations across Malaysia and neighboring countries like Thailand and Singapore. Here are some essential tips for your long-distance journey:

1. Reserve tickets early to secure seats and favorable prices, especially during peak seasons.

2. Consider your budget and comfort preferences when selecting your train class, ranging from economy to first-class.

3. Stay prepared for potential delays by allowing some buffer time in your schedule and keeping track of train timings.

4. Pack essential items like snacks, water, and entertainment to enhance your travel experience.

The four major routes covered by KTM Komuter trains are:

4. MRT (Mass Rapid Transit)

Since December 2016, Malaysia has been operating the MRT, a significant addition to its land transportation network, surpassing the LRT in size. Passengers can conveniently purchase MRT tickets from vending machines located at the station. Moreover, helpful officers are available to assist passengers in acquiring the tickets they need. Unlike tickets for the KL Monorail and LRT, MRT tickets are issued in the form of tokens at the entry gate and must be inserted into the exit gate upon reaching the destination station.

The Kuala Lumpur MRT system is a modern and efficient rail network designed to facilitate travel across the city. Presently, it comprises three operational lines:

For navigating the MRT system, the MRT Malaysia map is an invaluable tool, offering a comprehensive overview of the entire network, including the Putrajaya Line map with stations and landmarks.

Fares for the MRT are calculated based on distance traveled, and detailed fare and schedule information can be found on the official Rapid KL website. Moreover, the 2023 MRT map outlines planned expansions and future lines, providing insights into the development of Kuala Lumpur's public transportation network.

5. KLIA Ekspres (KLIA Transit)

The KLIA Express / KLIA Transit serves as a transportation option to and from the airport, connecting Kuala Lumpur airport to the city center. It offers a comfortable train journey with air conditioning and WiFi facilities onboard. The KLIA Ekspres arrives every 15 minutes during off-peak hours and every 20 minutes during peak hours, providing convenient travel options for passengers.

KLIA Ekspres Routes

KLIA T2 - KLIA T1 - Salak Tinggi - Putrajaya & Cyberjaya - Bandar Tasik Selatan - KL Sentral Arrival

KL Sentral - Bandar Tasik Selatan - Putrajaya & Cyberjaya - Salak Tinggi - KLIA T1 - KLIA T2

Discover Kuala Lumpur Package with KLIA

KLIA Ekspres has a package called Discover Kuala Lumpur. It gives you a ride to and from the airport and a tour on the KL Hop-On Hop-Off bus. This lets you see some of the city's cool places. The package costs RM65 for kids aged 2 to 12 and RM140 for adults. It's great for people new to the city or those waiting at KLIA for at least eight hours.

Discover Kuala Lumpur Fare Tickets

Adult: RM140

Child (Ages 6-15): RM65

Children under 6 years old: Free

*Discover Kuala Lumpur Pick-Up Point: Stop 19 – KL Sentral

Hop-On Hop-Off Day Tour

The KL Hop-On Hop-Off Tour lets you get off and on the bus at different stops along the way. The tour starts at 9:00 am every day from Stop 01 – Sg Wang Plaza.

At each stop, the bus comes every 20-30 minutes, so you won't have to wait too long. The last pick-up is at 5:00 pm, no matter which stop you're at.

There are two routes: the City Route and the Garden Route (Red & Green Line). Each route takes about one and a half hours to complete if you stay on the bus the whole time.

Once you use your KL Hop-On Hop-Off voucher, it's good for only 24 hours. So make sure to plan your trip accordingly!

The bus system in Malaysia, particularly in Kuala Lumpur, is highly efficient and cost-effective. Most buses are equipped with air conditioning for passenger comfort. While purchasing tickets at counters is an option, long queues, and exact change issues can be a hassle. To address this, Touch 'n Go (TnG) cards are available, priced at RM 20 with a stored credit of RM 10.

Public Bus Operator

1. Go KL City Bus

Go KL City Bus offers a complimentary service covering popular tourist destinations in Kuala Lumpur, such as Bukit Bintang, Chinatown, and KLCC. These pink buses operate every 15 minutes, are air-conditioned, and provide free wifi. The service is managed by two operators: Rapid Bus and Konsortium Transnasional.

2. Rapid Bus/Rapid KL

RapidKL operates on 177 routes across Kuala Lumpur. The service has been recently revamped, categorizing routes into express, city shuttles, trunk, and local shuttles. Passengers can pay up to RM 3, either with exact change or through TnG cards.

3. Konsortium Transnasional Berhad (KTB)

KTB is the leading bus operator in Peninsular Malaysia, operating various bus types on over 250 routes with more than 1500 buses. Their services, including Transnasional, Pushliner, Nice, and Cityliner, facilitate over 1000 trips daily, serving over 60 million passengers annually. KTB also offers bus services to and from Singapore.

Private Bus Operators

1. Aeroline

Aeroline offers a deluxe bus service connecting Peninsular Malaysia and Singapore. It pioneered the concept of on-road mobile business lounges, providing passengers with onboard crew service for food and beverages.

2. Super Nice

Super Nice, also known as Supernice Grassland or Comfort Super Nice Express Sdn Bhd, has been a trusted bus service since the 1980s. Covering key destinations like Ipoh, Kuala Lumpur, and Genting Highland, it has gained popularity for its reliability and extensive route network.

Taxis are not widely used in Malaysia but serve those seeking convenience, albeit at a higher cost. There are two types: local taxis, operating in Kuala Lumpur, and long-distance taxis from Puduraya bus station. However, passengers often encounter issues like meter refusal and overcharging, particularly among tourists. Payment is typically in cash, and the government has set up a hotline (1 800 88 9600) for complaints regarding fare manipulation by drivers.

Convenient Travel Solutions with Traveloka!

Discovering Malaysia's public transportation options has never been easier with Traveloka. Whether you're navigating the bustling streets of Kuala Lumpur or exploring the scenic beauty of Penang, Traveloka offers seamless booking solutions for buses, trains, and other modes of transport. With user-friendly interfaces and a wide range of options, Traveloka makes it simple to plan your journey, reserve tickets, and ensure a smooth travel experience.

From browsing schedules to securing affordable fares, Traveloka puts the power of travel planning in your hands. Don't let transportation logistics hold you back—take advantage of Traveloka's convenient platform and embark on your Malaysian adventure with confidence. Book your tickets today and unlock a world of possibilities with Traveloka!

Also read: Getting Around Langkawi, Malaysia

Melaka A'Famosa Water Theme Park & Safari Wonderland Ticket | Malaysia

Flights to Kuala Lumpur (KUL)

Malaysia Airlines

Start from RM 41.02

Alor Setar (AOR) to Kuala Lumpur (KUL)

Thu, 18 Jul 2024

Batik Air (Malaysia)

Start from RM 50.48

Johor Bahru (JHB) to Kuala Lumpur (KUL)

AirAsia Berhad (Malaysia)

Start from RM 51.82

Wed, 3 Jul 2024

Payment Partners

About Traveloka

• How to Book
• Help Center
• New Release Features

Follow us on

• Airport Transport
• ProductItems.cruises-search
• Traveloka Affiliate
• Privacy Notice
• Terms & Conditions
• Register Your Accommodation
• Register Your Experience Business
• Traveloka Press Room
• Vulnerability Disclosure Program

Download Traveloka App

• Best for customer satisfaction
• Best for older adults
• Best for long-term care
• Best for high returns
• Best for agent support
• Best for term life
• Why you should trust us

Best Life Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Summary of the Best Life Insurance Companies

• Best for customer satisfaction: State Farm Life Insurance
• Best for older adults: Prudential Life Insurance
• Best for agent support: New York Life Insurance
• Best for long-term care: Columbus Life
• Best for high returns: Allianz Life
• Best for term life: North American Company

Best Life Insurance Companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

Best Life Insurance for Customer Satisfaction

State farm life insurance.

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review .

Bundling is standard, and agents often quote with multiple discounts.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
• con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
• con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
• con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

• Life insurance products include term and permanent life
• Ranks highly for customer satisfaction

Best Life Insurance for Older Adults

Prudential vul protector life insurance.

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review .

Offers aggressive financial plans.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
• con icon Two crossed lines that form an 'X'. Financial returns are limited
• con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Best Life Insurance for Long-Term Care

Columbus life insurance.

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Offers lien method to makes it easier to calculate the financial impact of pulling money out early.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can pull money out for medical and other bills in the event of disease or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Columbus uses lien method to simplify accelerated death payments
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a wide range of riders to customize policies
• con icon Two crossed lines that form an 'X'. Premiums may be higher than competitors
• con icon Two crossed lines that form an 'X'. Term policies are not guaranteed to be converted to whole

Best for long-term care and accelerated death benefits.

Best Life Insurance for High Returns on Income

Allianz life insurance.

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Offers life insurance policies for foreign nationals with H-1B visas.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans offer high returns on investment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great for investment and long-term retirement planning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. May increase your income by as much as 20%
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Allianz offers plans for foreign nationals including H-1B visas
• con icon Two crossed lines that form an 'X'. Plans are meant specifically for high-income adults, alternatives may not be offered

Best for investing and high returns on income.

Best Life Insurance for Agent Support

New york life insurance.

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

Offers aggressive financial products and extensively trained agents.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong life insurance options for financial planning and wealth building
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available nationwide
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable life insurance agents
• con icon Two crossed lines that form an 'X'. May require a medical exam
• con icon Two crossed lines that form an 'X'. Buyers looking for more modest policies may not find the most competitive pricing

If you're preparing for a comfortable retirement or looking to build generational wealth, New York Life is one of the strongest options. If you have questions or genuinely want to understand your life insurance options, New York Life agents are among the most qualified professionals in the business.

• Life insurance provider with policies available across the US

Best Life Insurance for Term Life

North american life insurance.

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers accelerated death benefits for critical, chronic, and terminal illnesses
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers conversion for life policies up to 70 years old
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies can be renewed up to age 95 for qualifying applicants
• con icon Two crossed lines that form an 'X'. Not all term policies qualify for renewal or conversion

Best Term Policy.

Types of Life Insurance

While there's many different types of life insurance policies , broadly speaking, there are two types of life insurance: temporary and permanent. Let's go over each in detail.

Temporary life insurance

Temporary life insurance is often called term life insurance. This type of policy covers you for a set amount of time before expiring, usually between 10-30 years. If you pass away after your policy expires, your family won't receive any benefits. Additionally, your policy won't accrue cash value like a permanent policy. That said, some term life insurance policies offer a conversion from term to whole life insurance, so you can extend your coverage. 

Because its benefits aren't guaranteed, term life policies are generally cheaper than permanent life insurance. That said, the vast majority of term life insurance policies never pay out. on

Permanent life insurance

Permanent life insurance is an umbrella term for a variety of life insurance policies that will insure you indefinitely and guarantee a payout as long as you maintain your policy. Policy types that fall under permanent life insurance includes:

• Whole life insurance
• Universal life insurance
• Variable life insurance
• Variable universal life insurance
• Simplified life insurance
• Guaranteed issue life insurance

These policies vary widely in purpose and intended buyers, but all guarantee death benefits to your loved ones. Some permanent life insurance policies, like whole, universal, and variable have a cash value component , which you can use as a savings tool or to leave your heirs a larger death benefit.

How to Pick the Best Life Insurance Policy for You

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

Why You Should Trust Us: How We Reviewed the Best Life Insurance Companies

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our life insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

• Paul LaPiana , head of product at MassMutual
• Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
• Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

• "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
• Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
• Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
• Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
• A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best Life Insurance FAQs

According to JD Power's 2023 life insurance study, State Farm is the highest-rated life insurance company when it comes to overall customer satisfaction. However, you still may want to shop around for quotes from various insurers if you're looking to purchase a new policy.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

The best type of life insurance policy for you will differ from someone else's, as your policy should be tailored to your needs. The best policy for you will be affordable and will offer the benefits best suited to your situation. For example, some policies are only meant to cover end-of-life expenses such as burial and funeral arrangements, whereas others include living benefits like a cash value insurance plan , which you can borrow against during your lifetime.

Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. Policies with no medical exam also tend to offer lower benefits with higher premiums. Most companies have a network of medical examiners, some of whom can come to your home. You can find our guide on the best no exam life insurance here.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

• Main content

We use cookies to ensure best experience for you

We use cookies and other tracking technologies to improve your browsing experience on our site, show personalize content and targeted ads, analyze site traffic, and understand where our audience is coming from. You can also read our privacy policy , We use cookies to ensure the best experience for you on our website.

• Leaders Speak
• Brand Solutions
• Travel Agents
• STAAH launches new Travel Agent & Corporate Travel module for hoteliers

• Online Bureau ,
• ETTravelWorld
• Updated On Jun 20, 2024 at 02:05 AM IST

Business travel tech: FCM builts its very own AI Centre of Excellence

FCM’s AI-powered reporting tool securely captures data, providing insights into a company’s travel expenditures, needs, patterns, and sustainability metrics. This transformative analytics capability allows businesses to develop actionable strategies, ensuring a smarter, more efficient approach to corporate travel management. Generative AI is used to auto-read invoices and check for duplicates, enhancing efficiency.

• By Online Bureau ,
• Published On Jun 19, 2024 at 04:05 PM IST

All Comments

By commenting, you agree to the Prohibited Content Policy

Find this Comment Offensive?

• Foul Language
• Inciting hatred against a certain community
• Out of Context / Spam

Join the community of 2M+ industry professionals

Subscribe to our newsletter to get latest insights & analysis., download ettravelworld app.

• Get Realtime updates
• Save your favourite articles

• travel agent & corporate travel
• TACT module
• travel agent
• corporate travel
• hospitality solutions provider
• Max V2 software package
• travel news